New Methods for Spending Less for on Grand Forks Auto Insurance

Having to pay for overpriced auto insurance can drain your personal savings, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill. Insurance companies such as Progressive, GEICO and Farmers Insurance constantly bombard you with TV and radio ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you in Grand Forks is easy if you know what you’re doing. North Dakota vehicle owners only need an understanding of the tricks to compare price quotes over the internet.

How to Get Auto Insurance in Grand Forks, ND

Lowering your auto insurance rates can be relatively painless. You just have to take the time to compare quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

• The best way to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. A single, simple form will return price quotes from auto insurance companies with the best prices.
• A different way to analyze rates requires a trip to each individual company website and complete a new quote form. For sake of this example, let’s assume you want to compare Allstate, Esurance and Progressive. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.

  For a list of links to companies insuring cars in Grand Forks, click here.

Whichever way you use, ensure you’re using apples-to-apples quote information for every quote you compare. If you compare different values for each quote you will not be able to make a fair comparison in Grand Forks.

Save big with these discounts

Car insurance companies don’t list every available discount very well, so we researched some of the best known as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

• Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
• Clubs and Organizations – Participating in certain professional organizations may earn a discount when buying auto insurance.
• Claim Free – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

Keep in mind that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

For a list of companies who offer auto insurance discounts in Grand Forks, click here.

But I don’t know anything about car insurance

When buying adequate coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out whether or not you may require specific advice.

• When should I remove comp and collision on my vehicle?
• Does medical payments coverage apply to all occupants?
• What can I do if my company won’t pay a claim?
• What are North Dakota no-fault laws?
• How much liability do I need to cover my assets?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need PIP coverage since I have good health insurance?
• Do I have coverage when pulling a U-Haul trailer?
• I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

More tips and info about auto insurance can be found at the North Dakota Insurance Department website. Consumers can discover disciplinary actions, file complaints about a company, download brochures, and report car insurance fraud.

Other informative sites include this page for North Dakota auto insurance and this page of Grand Forks insurance agents.

Final thoughts

The cheapest auto insurance is definitely available from both online companies in addition to many Grand Forks insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.